In February, OZK was awarded “The Best Insurance Agency” by the Northwest Arkansas Gazette! This award is voted on by citizens of Washington & Benton county and had over 300,000 votes submitted in total. Thank you to all who voted OZK! We strive to offer the very best insurance experience for the communities of Little Rock, Fayetteville, Springdale, Rogers, & Bentonville for their home, property and auto needs.

SOAR NWA is a hot air balloon event that is making its appearance in Northwest Arkansas August 24, 2019. This event will have activities for everyone, including a variety of hot air balloon activities, an area for kids to play, a beer garden for persons 21 and up, as well as live music. There will also be helicopter rides, tethered rides, and skydiving! SOAR NWA is a fundraiser to raise money for “Open Avenues” whose mission is opening avenues of opportunity for people with disabilities in Northwest Arkansas by facilitating personal growth and attainment of vocational goals. All hot air balloon activities will be dependent on the weather, and even with perfect weather conditions, balloons can only fly before 10 am and after 6 pm. Generally around 6 people can fit in a balloon depending on the size of each person (each balloon can hold 700 lbs). The tethered rides are handicap accessible with walk-in baskets. Tethered rides will be offered to all attendees for an additional fee at select times during the festival! SOAR NWA is taking place at Drake Field Airport. Parking will be limited and will be located a mile from the airport with shuttle transportation available during certain times. Admission is $10 for adults and $5 for children 10 years and younger, and infants one and under will be free. Volunteers and sponsors are needed for this event! If you are interested in becoming a sponsor or volunteering, visit  This is a unique event coming to NWA that you do NOT want to miss!! Go to their website link above to buy your tickets now!

Why should you insure with OZK? Our company is based on three principles that make us different from your average insurance agency.

1). Convenience. We strive to make the process as simple as possible for our clients from start to finish. With our advisors who provide our clients with a hands on proactive approach, our clients spend less time worrying about their insurance and have a peace of mind knowing their insurance is being taken care of by our trusted advisors.

2). Competition. We have access to multiple highly rated insurance companies, so our clients are always getting the best price and coverage each year. Our loyalty lies with our clients, NOT a company, and that is what sets us apart from other insurance companies and is what gives us our competitive edge.

3). Care. We are a local insurance agency that provides an enhanced customer service experience. Our team here at OZK can always assist you whether that is in person, or over the phone when it comes to any service or claims needs. We care about our clients and enjoy building relationships with them through their insurance needs.

Reach out to us now so you can experience the OZK difference for yourself! You can reach us at 479-715-4200 or come by our office located at 8 Halsted Cir #2, Rogers, AR 72756.

Happy Independence week from the OZK fam! This is my favorite time of the year because it is filled with days at the lake, cookouts, fireworks and just spending time with dear friends and family. If you are like me and love to watch firework shows, you might be wondering who is putting them on and where you can watch them. No worries, because below is a list of all the places you can watch them in Northwest Arkansas. OZK hopes you have a safe and fun fourth of July week spent with the people you love!


Bella Vista: The city’s fireworks display will be held just after dark at the park below Loch Lomond dam on Glasgow Road.

Springdale: Fireworks will be set off after the game at Arvest ballpark. The game starts at 6:35 p.m.


Beaver Lake: Fireworks will be set off at Eden’s Bluff at dark.

Bentonville: The city will host fireworks at Orchards Park.The fireworks display will begin at 9:30 p.m.

Centerton: The fireworks display at First Baptist Church begins at dark.

Farmington: The show will begin at dark near the football stadium on Rheas Mill Road.\

Gentry: Fireworks begin at dusk at Gentry City Park.The display is part of the Gentry Freedom Fest.

Rogers: The Walmart AMP will host a fireworks show with a performance by the Symphony of Northwest Arkansas. Tickets are required.

Siloam Springs: Fireworks will begin at about 9:15 p.m. at the Siloam Spring Municipal Airport.

Springdale: Fireworks will be set off after the game at Arvest ballpark. The game starts at 6:30 p.m.

Springdale: Fireworks will be set off at dark at Tyson Park.


Prairie Grove:The fireworks display will be part of the “Celebrate Prairie Grove” event at Rieff Park and the Prairie Grove Aquatic Center.


ALMA: The mayor’s fireworks will begin at 9:15 p.m.They will end the inaugural Alma Liberty Festival at the Alma Aquatic Park.

BEAVER LAKE: Fireworks will be shot off at the Ventris Trail’s End Resort. The show is to be seen by boat.

EUREKA SPRINGS: The city’s fireworks display will begin at dusk. The fireworks should be visible throughout town.

The Walmart NW Arkansas Championship is coming back for the 13th year to Northwest Arkansas June 28-30 at the Pinnacle Country Club golf course. The tournaments mission is to improve the quality of life in Northwest Arkansas, and it continues to do so each year. The event has grown into so much more than just the LPGA tournament over the years, with this years event including everything from food, charitable giving, a 5k run, and family and kid-friendly events. There is something for everyone to do in the community at this event! You can find the schedule for the weekend here. A daily tournament ticket is $10 for general admission, and if you want one for the week it’s $25. Kids 17 and under get in free with a ticketed adult into general admission, along with free admission for Active, Reserve & Retired Military and their families. If you want to have access to The Club and receive food and drinks overlooking the 17th hole, a daily admission ticket is $75, and a weekly admission ticket is $200. Kids aged 12 and younger can get in free with a ticketed adult to The Club. Tickets are still available, so get them before they are gone! You can purchase tickets here. For more information on this event, you can visit This is a weekend you don’t want to miss, so bring your family and friends and head out to the Pinnacle Hills Country Club next weekend!

Ozark Mountain Bagel Co. Opening New Location

Ozark Mountain Bagel is an authentic New York-style bagel company located in Bentonville, AR and is owned by Bill and Sheila Ford, as well as their son Tyler Ford. Their strive for personal relationships with every customer is what makes them unique from other bagel companies in the NWA area. Ozark Mountain Bagel was recently voted #1 best sandwich in Arkansas by USA Today! Their bagels are made from scratch- each water boiled and baked fresh every day. Their menu consists of not only 17 kinds of bagels but also sandwiches, salads, coffee and numerous different cream cheese options. The Big Pig is a popular sandwich on the menu that includes egg, cheese, bacon, ham, and sausage.. YUM! They are opening a NEW LOCATION on the Bentonville Square that will open its doors in early June. There will be an Open House night at this new location on Friday, May 31 to celebrate and the opening. Ozark Mountain Bagel Co. is in the process of getting their beer and wine permit, and once that is done they will extend their current hours in both locations. In this new location, delivery via bike will be available around the Bentonville Square. This is a must try restaurant that will soon be open in 2 convenient areas in Northwest Arkansas! Follow them on Instagram and Facebook @ozarkbagelco. Their hours are Monday-Friday 6am- 3pm and Saturday-Sunday 7am-1pm.


Art of Wine


The 19th Annual Art of Wine Festival is May 16-17, 2019. This is the Walton Arts Center’s largest annual fundraiser of the year. There are two evening events that will take place at the festival- both being held at the Walton Arts Center on two separate nights. The Winemaker’s Dinner is being held May 16 and includes a 6-course gourmet meal put on by Bordinos and will be featuring wines from E&J Gallo. The event will wrap up with a silent auction as well as live entertainment during the wine reception. E&J Gallo’s own wine ambassadors will be speaking at the event. Tickets are $225 and can be purchased here.

Their second event, Uncorked is being held on the evening of May 17. The event will feature “tastings of more than 800 different wines from all over the world, beer, spirits, and food from more than 15 local NWA restaurants and vendors as well as music” Walton Arts Center website. Tickets are $150 and you must be 21 years or older to purchase. You can purchase your ticket through the website above. This Uncorked event will include a Balloon Pop where guests can win a variety of prizes ranging from shows at the Walmart AMP and the Walton Arts Center, to wine, merchandise and gifts from local boutiques. Not only will you be able to taste different luxury wines, but once every hour you will have the opportunity to learn how to mix drinks like a professional in a 20 minute class taught by Steven Idlet of Maxines. Located outside of McBride Studios in the lobby is a Distinctive Dwelling pop-up shop, so don’t forget to check it out! Underwood’s Fine Jewelers will also have a Pop-Up shop, and a percentage of their proceeds from the event will fund Walton Arts Center’s arts education programming.

This is a weekend you do not want to miss in Fayetteville at the Walton Arts Center. Get your tickets today before they are sold out!

I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you a ton of money!

I certainly don’t mean to be a “Debbie Downer”, and I know that if it’s done right it can be lucrative, but from an insurance agent’s perspective, I don’t see a lot of people doing it right.

So you’re probably thinking, “Well Chris, you are an insurance agent. What do you know about real estate or rental properties? Why should I take advice from you?”

I’m not a real estate agent, and I don’t own a rental property. However, several of my friends/family/clients/co-workers own rentals, and because I insure a bunch of their properties, I’ve had a first hand account of the process, and I’ve learned what to do, and what not to do.

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I was recently asked this question by one of our Ozk Insurance clients, and thought I would share the answer here for our readers.

There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot of complaints from people who don’t like the fact that insurance companies use credit in their underwriting.

Some people have absolutely no idea that it’s used in the rate at all.

At the end of the day, there’s not much we can do about it though. Insurance companies have been using credit in their rates for decades, and that’s not likely to change.

By the way, insurance companies don’t pull your credit like a mortgage company or credit card company does. There is no negative impact on your credit as a result of an insurance company looking at it.

When I say “pull” what I mean is that the insurance company is doing what’s called a soft inquiry, which is not the same thing as having your credit pulled (hard inquiry).

When does credit play a role in insurance rates?
It’s important to understand that insurance companies don’t continuously check or monitor your credit. Usually, they only check it when you first get a quote and/or sign up with them in the very beginning.

This means that if your credit score increases (or decreases) your insurance company does not automatically know about it.

So, to my customers question of whether or not his increased credit score will lower his rates, the answer is not automatically.

What has to be done on our side as the agent is contact the carrier the insurance and ask them to do what’s commonly referred to as a “re-score”. This is when the insurance company can re-run the person’s credit (soft inquiry) to see if there is any positive bearing on the rate.

This isn’t something that the insurance company is going to let the agency do every single year, so it’s not worth even asking unless there has been a significant change in your credit score, and only you as the customer would know if that was the case.

If you’d like to get a better handle on your credit rating, it could be helpful to setup credit monitoring. We hope this was helpful! As always, leave us comment below if you have any questions.